Hendricks County Bank and Trust Company in Brownsburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hendricks County Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 13111
    Status: Active
    Federal Reserve ID: 633640
    Bank Holding Company (Regulatory Top Holder): Midstate Financial Corporation (RSSDID: 1207552, Location: Brownsburg, IN)
    Date Established: January 01, 1908
    WWW: http://www.hendrickscountybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10145
    FDIC's unique #: 8293
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 East Main Street, Brownsburg, IN 46112
    County: Hendricks
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
    CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $146.2 mil
    Equity capital: $17.5 mil
    Deposits held in domestic offices: $126.9 mil
    Return on assets (ROA): -0.69% (-$1.0 mil)
    Quarterly return on assets: -3.92% (-$5.7 mil)
    Return on Equity (ROE): -5.64% (-$1.0 mil)
    Quarterly return on equity: -31.81% (-$5.7 mil)
    Net income: -$1.0 mil
    Quarterly Net income: -$1.5 mil
    Pretax return on assets: -0.73% (-$1,067.1 mil)
    Quarterly Pretax return on assets: -4.67% (-$6,826.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $146,178Total assets
  • $28,180Cash and due from depository institutions
  • $24,999Interest-bearing balances
  • $29,074Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $81,182Net loans & leases
  • $2,229Loan loss allowance
  • $0Trading account assets
  • $3,292Bank premises and fixed assets
  • $2,803Other real estate owned
  • $0Goodwill and other intangibles
  • $146,178Life insurance assets
  • $1,647All other assets
  • $128,630Total liabilities and capital
  • $126,936Total liabilities
  • $99,303Total deposits
  • $126,936Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,437Trading liabilities
  • $0Other borrowed funds
  • $257Subordinated debt
  • $17,548All other liabilities
  • $17,548Total equity capital
  • $17,548Total bank equity capital
  • $0Perpetual preferred stock
  • $280Common stock
  • $3,755Surplus
  • $13,513Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $257Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,383Income earned, not collected on loans
  • $0Earning assets
  • $481Long-term assets (5+ years)
  • $135,255Average Assets, year-to-date
  • $13,659Average Assets, quarterly
  • $151,400Volatile liabilities
  • $148,280Insider loans
  • $87,600FHLB advances
  • $150,826Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,536Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,485Restructured Loans and leases
  • $2,036Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,512Total interest income
  • $857Total interest expense
  • $4,655Net interest income
  • $2,145Provision for loan and lease losses
  • $1,123Total noninterest income
  • $5Fiduciary activities
  • $318Service charges on deposit accounts
  • $0Trading account gains & fees
  • $800Additional noninterest income
  • $4,738Total noninterest expense
  • $2,409Salaries and employee benefits
  • $690Premises and equipment expense
  • $1,639Additional noninterest expense
  • -$1,105Pre-tax net operating income
  • $0Securities gains (losses)
  • -$59Applicable income taxes
  • -$1,046Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,046Net income attributable to bank
  • $0Net charge-offs
  • -$1,046Cash dividends
  • $970Sale, conversion, retirement of capital stock, net
  • $84Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.87%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • -0.69%Net operating income to assets
  • -0.69%Return on assets (ROA)
  • -0.73%Pretax return on assets
  • -5.64%Return on equity (ROE)
  • -6.09%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 221.13%Credit loss provision to net charge-offs
  • 1.07%Efficiency ratio
  • 82,001Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -8.03%Loss allowance to loans
  • 2.67%Loss allowance to noncurrent loans
  • 50.86%Noncurrent assets plus other real estate owned to assets
  • 4.92%Noncurrent loans to loans
  • 5.25%Net loans and leases to deposits
  • 63.96%Net loans and leases to core deposits
  • 67.29%Equity capital to assets
  • 12.00%Core capital (leverage) ratio
  • 11.63%Tier 1 risk-based capital ratio
  • 20.02%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $151,400Average earning assets
  • $18,552Average equity
  • $142,278Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,958Managed Assets
  • 1Number of Accounts
  • $2,958Personal trust and agency accounts
  • $1,170Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,429Corporate trust and agency accounts
  • $359Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 12Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08293Hendricks County Bank And Trust Comp1 East Main Street, Brownsburg, IN 46112January 01, 1908Full Service Brick and Mortar
    112094Plainfield Branch1649 East Main Street, Plainfield, IN 46168March 24, 1960Full Service Brick and Mortar
    2229142Brownsburg Square Branch11 Northfield, Brownsburg, IN 46112April 03, 1982Full Service Brick and Mortar
    4357245Danville Branch23 South County Road 200 East, Danville, IN 46122September 20, 1999Full Service Brick and Mortar
    5478464Avon Office Branch963 N State Road 267, Avon, IN 46123September 12, 2007Full Service Brick and Mortar

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